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Brother Knights -
‘Right to Apply’ helps widows in
need
As I research my files I am surprised
to see the number of members who have purchased
insurance from the Knights of Columbus on their
wives and children but not on themselves. Although
they have purchased policies on members of their
families, these members are still considered
associate members. As such they, as do all associate
members, give up an important right available to
their widows in the event of their deaths, “the
right to apply”.
The laws and rules of our Order, as
well as state laws, specify that the Knights of
Columbus may accept insurance applications only from
Knights of Columbus members. As a member, you may
apply for insurance on yourself, your wife and your
dependent, minor children.
The Order’s Board of Directors has
taken action, though, to assure that a brother
Knight’s widow maintains the right to purchase
additional insurance for a limited time. This can
be of great benefit and comfort to those we leave
behind.
This “right to apply” is available
only to the widows of insured members. If a member
has not availed himself of our top-rated life
insurance program, or purchased an annuity or
long-term care policy, this benefit is not available
to his widow.
But if the Knight was an insured
member, his widow has the right to apply for
additional insurance on her life and on the lives of
the member’s minor children. This right can be
exercised for up to one year following the Order’s
receipt of proof of the insured’s death.
Know two things. First, I’ll assist
your widow and children in any way possible if you
should die, both with your Knights of Columbus
insurance and any other life insurance you may
have. Second, I’ll provide them my best
professional advice and service to ensure that they
continue to have adequate insurance protection.
As a professional agent and a brother
Knight, I have no greater responsibility.
Insurance Agent : Alex Keller, Phone
631-226-3831, E-mail alex.keller@kofc.org. |
